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Contracting

Partner with an agency that still sells. Tell us what you want to write and where your license stands, and the path below changes to match.

ACAMedicareLifeSan Antonio, TX
Build my pathCall the office
Get appointed

Build your contracting path

Two questions. The steps below change to match both answers, and every one of them comes straight out of our own getting-started guides.

What do you want to sell?

Where does your license stand?

Pick an answer to each question and your path appears here.

Ready to get appointed, or want Luis to review where you stand? Send the details directly to his contracting form.

Send Luis my contracting details
ACANot licensed yet

Not licensed yet to sell ACA: 9 steps

We start at the very beginning. Everything below is in order and each step depends on the one before it.

Want to Sell ACA? Getting-Started Guide

  1. Obtain a Life & Health insurance license

    Complete a study course, sit the state exam, then apply through your state's Department of Insurance.

    Kaplan Financial license courseExamFX

  2. Complete fingerprinting

    Book through IdentoGO by IDEMIA on 888-467-2080, Monday to Friday, 8:00 AM to 5:00 PM Central. Book it the day you pass. The turnaround is the part people underestimate.

    Book fingerprinting online

  3. Obtain Errors & Omissions (E&O) insurance

    Carriers will not appoint you without it. The guide's recommended provider is NAPA Benefits E&O, at $1,000,000 per claim and $3,000,000 aggregate.

  4. Complete ACA certification for FFM states

    If you are selling in the Federally Facilitated Marketplace you certify with CMS. Watch the walkthrough before you start.

    CMS enterprise portalWatch the video walkthrough

  5. Complete ACA certification for state-based exchanges

    You certify with each state individually and use that state's own quoting and enrollment platform. Ask us for the IAT ACA State-Based Exchange Agent Guide, it puts all 24 jurisdictions, their certification paths and their platforms in one place.

    Current list of state-based exchanges

  6. Contract with ACA carriers

    The guide's recommendation is blunt: get contracted with every carrier in the state you plan to sell in.

    Start ACA carrier contractingMap of ACA carriers by state

  7. Set up HealthSherpa

    Your quoting and enrollment platform, and it is free to agents because it is carrier funded.

    Register at HealthSherpa

  8. Contract with hospital indemnity and ancillary carriers

    Hospital indemnity: Allstate Health Solutions. Dental and vision: Ameritas Dental/Vision.

  9. Add life insurance carriers

    Guaranteed issue life: AIG, Gerber, Great Western. Final expense and life: Foresters, American Amicable, Transamerica, Trinity, Mutual of Omaha.

Compliance. Hospital indemnity and other ancillary products are supplemental only. Never present them as a substitute for major medical coverage. Any non-ACA alternative sold to a subsidy-eligible consumer requires a signed client acknowledgment at the point of sale.
ACALicense in progress

License in progress to sell ACA: 8 steps

Your exam is under way. Run fingerprinting and E&O in parallel with it rather than after it. That is where the weeks go.

Want to Sell ACA? Getting-Started Guide

  1. Complete fingerprinting

    Book through IdentoGO by IDEMIA on 888-467-2080, Monday to Friday, 8:00 AM to 5:00 PM Central. Book it the day you pass. The turnaround is the part people underestimate.

    Book fingerprinting online

  2. Obtain Errors & Omissions (E&O) insurance

    Carriers will not appoint you without it. The guide's recommended provider is NAPA Benefits E&O, at $1,000,000 per claim and $3,000,000 aggregate.

  3. Complete ACA certification for FFM states

    If you are selling in the Federally Facilitated Marketplace you certify with CMS. Watch the walkthrough before you start.

    CMS enterprise portalWatch the video walkthrough

  4. Complete ACA certification for state-based exchanges

    You certify with each state individually and use that state's own quoting and enrollment platform. Ask us for the IAT ACA State-Based Exchange Agent Guide, it puts all 24 jurisdictions, their certification paths and their platforms in one place.

    Current list of state-based exchanges

  5. Contract with ACA carriers

    The guide's recommendation is blunt: get contracted with every carrier in the state you plan to sell in.

    Start ACA carrier contractingMap of ACA carriers by state

  6. Set up HealthSherpa

    Your quoting and enrollment platform, and it is free to agents because it is carrier funded.

    Register at HealthSherpa

  7. Contract with hospital indemnity and ancillary carriers

    Hospital indemnity: Allstate Health Solutions. Dental and vision: Ameritas Dental/Vision.

  8. Add life insurance carriers

    Guaranteed issue life: AIG, Gerber, Great Western. Final expense and life: Foresters, American Amicable, Transamerica, Trinity, Mutual of Omaha.

Compliance. Hospital indemnity and other ancillary products are supplemental only. Never present them as a substitute for major medical coverage. Any non-ACA alternative sold to a subsidy-eligible consumer requires a signed client acknowledgment at the point of sale.
ACAAlready licensed

Already licensed to sell ACA: 6 steps

Straight into certification and contracting. You can be writing quickly.

Want to Sell ACA? Getting-Started Guide

  1. Complete ACA certification for FFM states

    If you are selling in the Federally Facilitated Marketplace you certify with CMS. Watch the walkthrough before you start.

    CMS enterprise portalWatch the video walkthrough

  2. Complete ACA certification for state-based exchanges

    You certify with each state individually and use that state's own quoting and enrollment platform. Ask us for the IAT ACA State-Based Exchange Agent Guide, it puts all 24 jurisdictions, their certification paths and their platforms in one place.

    Current list of state-based exchanges

  3. Contract with ACA carriers

    The guide's recommendation is blunt: get contracted with every carrier in the state you plan to sell in.

    Start ACA carrier contractingMap of ACA carriers by state

  4. Set up HealthSherpa

    Your quoting and enrollment platform, and it is free to agents because it is carrier funded.

    Register at HealthSherpa

  5. Contract with hospital indemnity and ancillary carriers

    Hospital indemnity: Allstate Health Solutions. Dental and vision: Ameritas Dental/Vision.

  6. Add life insurance carriers

    Guaranteed issue life: AIG, Gerber, Great Western. Final expense and life: Foresters, American Amicable, Transamerica, Trinity, Mutual of Omaha.

Compliance. Hospital indemnity and other ancillary products are supplemental only. Never present them as a substitute for major medical coverage. Any non-ACA alternative sold to a subsidy-eligible consumer requires a signed client acknowledgment at the point of sale.
MedicareNot licensed yet

Not licensed yet to sell Medicare: 8 steps

We start at the very beginning. Everything below is in order and each step depends on the one before it.

Want to Sell Medicare? Getting-Started Guide

  1. Obtain a Life & Health insurance license

    Complete a study course, sit the state exam, then apply through your state's Department of Insurance.

    Kaplan Financial license courseExamFX

  2. Complete fingerprinting

    Book through IdentoGO by IDEMIA on 888-467-2080, Monday to Friday, 8:00 AM to 5:00 PM Central. Book it the day you pass. The turnaround is the part people underestimate.

    Book fingerprinting online

  3. Obtain Errors & Omissions (E&O) insurance

    Carriers will not appoint you without it. The guide's recommended provider is NAPA Benefits E&O, at $1,000,000 per claim and $3,000,000 aggregate.

  4. Complete AHIP Medicare certification

    Selling Medicare Advantage and Prescription Drug Plans requires certification with America's Health Insurance Plans. Use the link below to save $50, your cost drops to $125.

    AHIP certification, discounted

  5. Contract with Medicare Advantage and Supplement carriers

    Start with several majors: UnitedHealthcare, Humana, Aetna, Cigna, Wellcare. Each carrier requires its own certification through its broker portal, and you transfer your AHIP result to each one. Once your ready-to-sell confirmations arrive, order enrollment kits and request Sunfire or Connecture for online quoting.

    Submit your contracting request

  6. Add Medicare Supplement carriers

    You will already have UnitedHealthcare Supplement from the step above. The guide's recommended additions are Cigna, Mutual of Omaha and Aetna.

  7. Contract with hospital indemnity and ancillary carriers

    Hospital indemnity: Heartland National, Guarantee Trust Life (GTL). Dental and vision: Ameritas Dental/Vision.

  8. Add life insurance carriers

    Guaranteed issue life: AIG, Gerber, Great Western. Final expense and life: Foresters, American Amicable, Transamerica, Trinity, Mutual of Omaha.

Compliance. All Medicare marketing and outreach is subject to CMS rules and carrier-specific marketing requirements. Do not use a carrier's name or plan benefits in your own marketing without approval, and complete every carrier certification before you present plans.
MedicareLicense in progress

License in progress to sell Medicare: 7 steps

Your exam is under way. Run fingerprinting and E&O in parallel with it rather than after it. That is where the weeks go.

Want to Sell Medicare? Getting-Started Guide

  1. Complete fingerprinting

    Book through IdentoGO by IDEMIA on 888-467-2080, Monday to Friday, 8:00 AM to 5:00 PM Central. Book it the day you pass. The turnaround is the part people underestimate.

    Book fingerprinting online

  2. Obtain Errors & Omissions (E&O) insurance

    Carriers will not appoint you without it. The guide's recommended provider is NAPA Benefits E&O, at $1,000,000 per claim and $3,000,000 aggregate.

  3. Complete AHIP Medicare certification

    Selling Medicare Advantage and Prescription Drug Plans requires certification with America's Health Insurance Plans. Use the link below to save $50, your cost drops to $125.

    AHIP certification, discounted

  4. Contract with Medicare Advantage and Supplement carriers

    Start with several majors: UnitedHealthcare, Humana, Aetna, Cigna, Wellcare. Each carrier requires its own certification through its broker portal, and you transfer your AHIP result to each one. Once your ready-to-sell confirmations arrive, order enrollment kits and request Sunfire or Connecture for online quoting.

    Submit your contracting request

  5. Add Medicare Supplement carriers

    You will already have UnitedHealthcare Supplement from the step above. The guide's recommended additions are Cigna, Mutual of Omaha and Aetna.

  6. Contract with hospital indemnity and ancillary carriers

    Hospital indemnity: Heartland National, Guarantee Trust Life (GTL). Dental and vision: Ameritas Dental/Vision.

  7. Add life insurance carriers

    Guaranteed issue life: AIG, Gerber, Great Western. Final expense and life: Foresters, American Amicable, Transamerica, Trinity, Mutual of Omaha.

Compliance. All Medicare marketing and outreach is subject to CMS rules and carrier-specific marketing requirements. Do not use a carrier's name or plan benefits in your own marketing without approval, and complete every carrier certification before you present plans.
MedicareAlready licensed

Already licensed to sell Medicare: 5 steps

Straight into certification and contracting. You can be writing quickly.

Want to Sell Medicare? Getting-Started Guide

  1. Complete AHIP Medicare certification

    Selling Medicare Advantage and Prescription Drug Plans requires certification with America's Health Insurance Plans. Use the link below to save $50, your cost drops to $125.

    AHIP certification, discounted

  2. Contract with Medicare Advantage and Supplement carriers

    Start with several majors: UnitedHealthcare, Humana, Aetna, Cigna, Wellcare. Each carrier requires its own certification through its broker portal, and you transfer your AHIP result to each one. Once your ready-to-sell confirmations arrive, order enrollment kits and request Sunfire or Connecture for online quoting.

    Submit your contracting request

  3. Add Medicare Supplement carriers

    You will already have UnitedHealthcare Supplement from the step above. The guide's recommended additions are Cigna, Mutual of Omaha and Aetna.

  4. Contract with hospital indemnity and ancillary carriers

    Hospital indemnity: Heartland National, Guarantee Trust Life (GTL). Dental and vision: Ameritas Dental/Vision.

  5. Add life insurance carriers

    Guaranteed issue life: AIG, Gerber, Great Western. Final expense and life: Foresters, American Amicable, Transamerica, Trinity, Mutual of Omaha.

Compliance. All Medicare marketing and outreach is subject to CMS rules and carrier-specific marketing requirements. Do not use a carrier's name or plan benefits in your own marketing without approval, and complete every carrier certification before you present plans.
LifeNot licensed yet

Not licensed yet to sell Life: 5 steps

We start at the very beginning. Everything below is in order and each step depends on the one before it.

Want to Sell Life? Guide coming soon

  1. Obtain a Life & Health insurance license

    Complete a study course, sit the state exam, then apply through your state's Department of Insurance.

    Kaplan Financial license courseExamFX

  2. Complete fingerprinting

    Book through IdentoGO by IDEMIA on 888-467-2080, Monday to Friday, 8:00 AM to 5:00 PM Central. Book it the day you pass. The turnaround is the part people underestimate.

    Book fingerprinting online

  3. Obtain Errors & Omissions (E&O) insurance

    Carriers will not appoint you without it. The guide's recommended provider is NAPA Benefits E&O, at $1,000,000 per claim and $3,000,000 aggregate.

  4. Contract with the Six Pack

    The six life carriers we start every agent on. Get these appointed first and you can write almost any case that walks in the door.

    • Mutual of OmahaTerm, IUL, UL, Children's Whole Life, Final Expense
    • TransamericaTerm, IUL, UL, Whole Life, Rapid Issue Final Expense
    • GerberGuaranteed Issue FE, Grow Up Plan
    • CICA LifeSimplified and Guaranteed Issue FE
    • SymetraInstant Issue Term
    • GTLGraded FE

  5. Ask us to open the rest

    Both getting-started guides route life contracting the same way: email the office and we walk you through it.

    [email protected]
Compliance. Final expense and guaranteed issue products carry their own suitability rules. Complete each carrier's product training before you present.
LifeLicense in progress

License in progress to sell Life: 4 steps

Your exam is under way. Run fingerprinting and E&O in parallel with it rather than after it. That is where the weeks go.

Want to Sell Life? Guide coming soon

  1. Complete fingerprinting

    Book through IdentoGO by IDEMIA on 888-467-2080, Monday to Friday, 8:00 AM to 5:00 PM Central. Book it the day you pass. The turnaround is the part people underestimate.

    Book fingerprinting online

  2. Obtain Errors & Omissions (E&O) insurance

    Carriers will not appoint you without it. The guide's recommended provider is NAPA Benefits E&O, at $1,000,000 per claim and $3,000,000 aggregate.

  3. Contract with the Six Pack

    The six life carriers we start every agent on. Get these appointed first and you can write almost any case that walks in the door.

    • Mutual of OmahaTerm, IUL, UL, Children's Whole Life, Final Expense
    • TransamericaTerm, IUL, UL, Whole Life, Rapid Issue Final Expense
    • GerberGuaranteed Issue FE, Grow Up Plan
    • CICA LifeSimplified and Guaranteed Issue FE
    • SymetraInstant Issue Term
    • GTLGraded FE

  4. Ask us to open the rest

    Both getting-started guides route life contracting the same way: email the office and we walk you through it.

    [email protected]
Compliance. Final expense and guaranteed issue products carry their own suitability rules. Complete each carrier's product training before you present.
LifeAlready licensed

Already licensed to sell Life: 2 steps

Straight into certification and contracting. You can be writing quickly.

Want to Sell Life? Guide coming soon

  1. Contract with the Six Pack

    The six life carriers we start every agent on. Get these appointed first and you can write almost any case that walks in the door.

    • Mutual of OmahaTerm, IUL, UL, Children's Whole Life, Final Expense
    • TransamericaTerm, IUL, UL, Whole Life, Rapid Issue Final Expense
    • GerberGuaranteed Issue FE, Grow Up Plan
    • CICA LifeSimplified and Guaranteed Issue FE
    • SymetraInstant Issue Term
    • GTLGraded FE

  2. Ask us to open the rest

    Both getting-started guides route life contracting the same way: email the office and we walk you through it.

    [email protected]
Compliance. Final expense and guaranteed issue products carry their own suitability rules. Complete each carrier's product training before you present.
Contract with IAT

Get contracted

Tell Luis which lines you want to sell and where your license stands for each one. You can choose one, two or all three.

Preferred language
Enter your NPN if one has been issued to you.Use digits only, up to 10 digits.
Resident state (required)
What type of insurance do you want to sell? (choose one or more)
Non-resident state licenses (optional; choose every state where you are licensed)

By sending this you agree we may contact you about your contracting request. We do not sell your information. See our Privacy Policy and Terms of Use.

Proof

What agents say

The 1-on-1 call I had with Luis was great. He went above and beyond to answer all my questions. I highly recommend Luis to any agent in this industry.
Tim Owens · Insurance Agent
Before you ask

Questions agents ask about contracting

What does it cost to get contracted through IAT?

Nothing is charged by Insurance Agent Training for the contracting itself. You are responsible for your own licensing costs, the pre-licensing course, the state exam, fingerprinting and your E&O coverage, which are paid to those providers, not to us. The one figure the guides do quote is AHIP at $125 with our discount link.

Can I get contracted if I already write with another upline?

It depends on the carrier and on your existing appointments. Call the office on (210) 972‑9558 and we will look at your situation before you submit anything.

How long does contracting take?

The part we control is fast. The parts we do not, state fingerprinting turnaround and each carrier's own review queue, set the real timeline. Book fingerprinting the day you pass your exam; that is where most of the waiting actually happens.

Do I have to buy training to get contracted?

No. Contracting and training are separate. The courses and SmartBooks are there when you want them.

Next step

Still not sure where you fit?

Call the office and we will place you in the right path in about five minutes.

Call (210) 972‑9558Ask a contracting question
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8865 Grissom Rd, San Antonio, TX 78251
Mon–Sat · 8:00 AM – 7:00 PM Central

Licensed Insurance Agency

Not connected with or endorsed by the United States government or the federal Medicare program

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program.

Insurance Agent Training does not represent, and is not endorsed by, any third-party carrier or any Six Pack company named on this site.

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